| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATION | $15K | $0 | $15K | 1.00% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | UNKNOWN UNKNOWN, WI 00000 | ASSURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.84% |
| UNIFIED EMPLOYEE BENEFITS3 | UNKNOWN UNKNOWN, WI 00000 | ASSURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.98% |
| MOLLY MABRY3 | UNKNOWN UNKNOWN, WI 00000 | ASSURITY LIFE INSURANCE COMPANY | $132 | $0 | $132 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST 200 GREENSBORO, NC 27455 | ANTHEM LIFE INSURANCE COMPANY | $731 | $0 | $731 | 0.82% |
| UNIFIED EMPLOYEE BENEFITS3 | 1640 S 70TH ST STE 200 LINCOLN, NE 68506 | TRANSAMERICA LIFE INSURANCE COMPANY | $83 | $0 | $83 | 7.44% |
| UNICO GROUP INC3 | 4435 O STREET LINCOLN, NE 68510 | TRANSAMERICA LIFE INSURANCE COMPANY | $15 | $0 | $15 | 1.34% |
| MICHAEL L BRAUN3 Filed as: MICHAEL D NEBEN | 2900 S 70TH ST STE 300 LINCOLN, NE 68506 | TRANSAMERICA LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.90% |
| MOLLY R MABRY3 | 7633 SOUTH 37TH ST LINCOLN, NE 68516 | TRANSAMERICA LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.72% |
| ASHLEY FARELL3 | 2915 GREENTOP CT ST LOUIS, MO 63119 | TRANSAMERICA LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.54% |
| ERICA M WHITE3 | 2900 S 70TH ST SUITE 300 LINCOLN, NE 68506 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.27% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,027 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,028 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATION | 118 | $1.5M |
| Vision | HUMANA INSURANCE COMPANY | 61 | $8K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,062 | $89K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,062 | $89K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,062 | $89K |
| Prescription drug | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATION | 118 | $1.5M |
| Other(4 contracts, 4 carriers) | ASSURITY LIFE INSURANCE COMPANY | 1,062 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,062 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.